If Security Credit Systems is showing up on your credit report, it could be dragging down your credit score. Here’s what you need to know about this collection agency and how to work toward getting the account removed.
Who Is Security Credit Systems?
Security Credit Systems, Inc. (SCS) is a third-party debt collection agency based in Buffalo, New York. They collect unpaid debts on behalf of businesses, schools, and healthcare providers.
If they appear on your credit report as a collections account, it typically means a bill or debt was not paid and has been turned over to them for collection.
Who Does Security Credit Systems Collect For?
Security Credit Systems works with a mix of clients, including:
- Medical organizations
- Educational institutions
- Commercial businesses
The debts they collect can range from unpaid medical bills to overdue tuition or consumer accounts.
Is Security Credit Systems Legitimate?
Yes, Security Credit Systems is a real debt collection agency. They are legally authorized to collect debts for their clients. That said, even legitimate agencies can make reporting mistakes, so it’s important to verify any debts they claim you owe before making a payment.
How to Remove Security Credit Systems From Your Credit Report
Collection accounts can hurt your credit score for up to seven years—but they don’t have to stay there if you take the right steps:
- Dispute incorrect information: If there are errors or the debt doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask Security Credit Systems for proof that the debt is accurate and belongs to you. They must provide this within 30 days.
- Negotiate a pay-for-delete: Some agencies may agree to remove the account from your credit report if you settle the debt. Always get the agreement in writing.
- Work with a credit repair professional: Experienced companies can help challenge collection accounts and work to have them removed.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Security Credit Systems?
Always verify the debt first. Credit reports often contain errors, and paying a debt without confirmation can restart the statute of limitations, keeping the negative item on your credit report longer.
Many people choose to work with a credit repair company to handle the process for them and avoid direct contact with debt collectors.
Can Security Credit Systems Sue or Garnish Wages?
Security Credit Systems has the legal right to sue over unpaid debts. If they win a judgment in court, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
Lawsuits and garnishments are usually a last resort because they are costly and time-consuming. Most collection agencies will try to work out a payment arrangement first.
Complaints About Security Credit Systems
Like many debt collectors, Security Credit Systems has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate credit reporting
- Harassing phone calls
- Failure to verify debts
If your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Security Credit Systems
You are protected by state and federal laws when dealing with debt collectors. Under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), you have the right to:
- Dispute inaccurate or incomplete information on your credit report
- Request written validation of the debt within 30 days
- Be treated with respect—debt collectors cannot harass, threaten, or use abusive language
- Be informed clearly that they are a debt collection agency
- Not be threatened with arrest or legal action they cannot take
Security Credit Systems Contact Information
Address:
Security Credit Systems, Inc.
100 River Rock Drive, Suite 200
Buffalo, NY 14207
Phone: (800) 836-4568
Get Help Removing Security Credit Systems From Your Credit Report
Trying to deal with collection accounts can be stressful, but you don’t have to do it alone. Credit Saint has helped thousands of people remove negative items from their credit reports, including collections from agencies like Security Credit Systems.
With over 15 years of experience and a 90-day money-back guarantee, they provide peace of mind while working to improve your credit.
Want to take the next step? Visit their website or call (855) 281-1510 for a free credit consultation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
